1821 NW 20TH AVENUE, CRYSTAL RIVER, FL, 34428
Active232 days on marketListed Dec 16, 2025MLS #W7881401
About this home
1821 NW 20TH AVENUE
A sense of calm and refinement defines this exceptional waterfront residence, where light, water, and architecture come together seamlessly. Soaring vaulted ceilings with warm wood planking and expansive architectural windows frame tranquil canal views, filling the home with natural light from the moment you enter. The main living areas are positioned to maximize the waterfront setting, creating a seamless flow between indoor and outdoor living. New luxury vinyl flooring throughout the second and third floors, along with updated interior doors and designer lighting, establish a clean, modern aesthetic while keeping the water as the focal point. The living and dining areas open to a spacious waterfront balcony, ideal for morning coffee, sunset entertaining, or quiet moments overlooking the canal. The kitchen offers both function and style with generous cabinetry, stainless steel appliances, an oversized island, and abundant natural light that enhances both everyday living and entertaining. The primary suite features a spa-inspired bath with a freestanding soaking tub, double vanity, walk-in shower, and refined modern finishes. The lower level provides flexible living space ideal for an in-law suite, guest retreat, or extended living area, complete with an updated bath and direct access to the pool and outdoor entertaining spaces. The total heated living area of 2,672 square feet includes this finished lower level. Outdoors, the property transforms into a private waterfront retreat with a resurfaced screened-in pool, expansive brick pavers, new landscaping, and a covered ductless seating area designed for year-round enjoyment. A private dock with an 8,000-lb boat lift and fish cleaning station completes the elevated coastal lifestyle. With an acceptable offer, the seller is willing to install an exterior lift from the first floor to the second floor, adding convenience and accessibility. Additional improvements include a new hot water tank. Ideally located near Crystal River’s renowned springs, boating, and natural attractions, this residence offers a lifestyle defined by tranquility and refined waterfront living. Seller may consider Bitcoin (BTC), Ethereum (ETH), or USDC, subject to conversion to U.S. Dollars at closing and standard Florida title and escrow requirements.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
1,712
Sqft
0.21 ac
Lot size
2
Garage
1992
Year built
Three Or More
Levels
$643
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$7,600 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,600/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Crystal River actives
$643 vs $215
Days on market
232 vs 46 typical
Where $643/sqft sits among the 139 Crystal River actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Crystal River
Get to know Crystal River. See the full Crystal River guide →
CRYSTAL RIVER 34428 — neighborhood snapshot
Population
9,325
Median age
55.4
Median income
$48,185
Median home value
$236,100
Avg household
2.15
Households w/ children
690
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Crystal River market
$315K → $325K
Crystal River median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
74 of 139
Crystal River actives have cut their price
Median sold price, Crystal River, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 482% above the CRYSTAL RIVER 34428 median. See the full Crystal River market guide →
Paper trail
This home's history
Reality check
What actually sold near 1821 NW 20TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$620,000
1950 NW 19TH STREET · same community
2 bd · 2 ba · 1,575 sqft · $394/sqft · 212 DOM
Sold · Nov ’25$745,000
1720 NW 20TH AVENUE · same community
3 bd · 2 ba · 2,036 sqft · $366/sqft · 46 DOM
Sold · Sep ’25$600,000
1821 NW 20TH AVENUE · same community
4 bd · 3 ba · 2,159 sqft · $278/sqft · 103 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1821 NW 20TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1821 NW 20TH AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
1821 NW 20TH AVENUE FAQs
What would the monthly payment be for 1821 NW 20TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,600/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 1821 NW 20TH AVENUE?+
The most recent tax bill on record (2025) was $13,106. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Crystal River?+
At $1,100,000, this home is listed about 267% above the Crystal River median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1821 NW 20TH AVENUE?+
Crystal River Middle School (middle), Crystal River High School (high), Crystal River Primary School (elementary) — Citrus County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,100,000 runs 482% above the CRYSTAL RIVER 34428 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
232 days on market against a Crystal River median of 46 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,199,999, now $1,100,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER WEAVER GROUP REALTY · Thomas Dishman. MLS #W7881401.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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